Correspondence to your clients

1. Personalised Key Features Illustration for your…
Contains information about value, fees/charges and potential future value

Notes: Generated for the adviser to share with the client.

2. Information about your fees and charges letter

Notes: Generated for the adviser to share with the client.

3. Adviser Fee Authorisation form

Notes: Generated for the adviser to discuss and agree any adviser charges with the client. The completed form should be retained by the adviser.

1. Personalised Key Features Illustration for your…
Contains information about value, fees/charges and potential future value

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

2. Adviser Fee Authorisation form. Confirms the fees which have been agreed.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

3. a) Confirming your online application letter.* This contains important regulatory information for the customer to check and is generated at the point of the application being submitted
b) Confirming your investment application (if new business)
OR
Confirming your additional investment application (if top up) letter. 
c) Information about your fees and charges letter.

Notes: * Only generated for online applications for an ISA, JISA, CRA or JCRA. Not generated for CIB or CIA. All of these documents are enclosed in a single envelope.

4. Confirming your investment letter. Confirms the actual amount invested and the assets used.

5. Your asset purchases/sales for dd/mm/yyyy
(contract note)

1. Personalised Key Features Illustration for your…
Confirms the scenario which has been input.

2. Adviser Fee Authorisation form. Confirms the fees which have been agreed.

3. a) Confirming your investment application (if new business)
OR
Confirming your additional investment application (if top up) letter. 
b) Information about your fees and charges letter 

4. Confirming your investment letter. Confirms the actual amount invested and the assets used.

5. Your asset purchases/sales for dd/mm/yyyy
(contract note)

1. Personalised Key Features Illustration for your…
Confirms the scenario which has been input.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

2. Adviser Fee Authorisation form. Confirms the fees which have been agreed.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

3. a) Confirming your online application letter.* This contains important regulatory information for the customer to check and is generated at the point of the application being submitted
b) Confirming your investment application (if new business)
OR
Confirming your additional investment application (if top up) letter. 
c) Information about your fees and charges letter.

Notes: * Only generated for online applications for an ISA, JISA, CRA or JCRA. Not generated for CIB or CIA.

4. Transfer authority form

Notes: Visible on online document library for information

5. Confirming your transfer letter. Confirms the actual amount invested and the assets used.  

6. Your asset purchases for dd/mm/yyyy
(contract note) 

1. Personalised Key Features Illustration for your…
Confirms the scenario which has been input.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

2. Adviser Fee Authorisation form. Confirms the fees which have been agreed.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

3. a) Confirming your investment application (if new business)
OR
Confirming your additional investment application (if top up) letter. 
b) Information about your fees and charges letter

4. Confirming your investment letter. Confirms the actual amount invested and the assets used.

5. Your asset purchases/sales for dd/mm/yyyy
(contract note)

1. Personalised Key Features Illustration for your…
Confirms the scenario which has been input.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

2. Adviser Fee Authorisation form. Confirms the fees which have been agreed.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

3. a) Confirming your online application letter.*
This contains important regulatory information for the customer to check and is generated at the point of the application being submitted
b) Confirming your investment application (if new business) 
OR
Confirming your additional investment application (if top up) letter. 
c) Information about your fees and charges letter

Notes: *Only generated for online applications for an ISA, JISA, CRA or JCRA. Not generated for CIB or CIA.

4. Important confirmation of the set-up of your Direct Debit instruction

5. Your asset purchases/sales for dd/mm/yyyy
(contract note)

1. Personalised Key Features Illustration for your…
Confirms the scenario which has been input.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

2. Adviser Fee Authorisation form. Confirms the fees which have been agreed.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

3. a) Confirming your investment application (if new business)
OR
Confirming your additional investment application (if top up) letter. 
b) Information about your fees and charges letter

4. Important confirmation of the set-up of your Direct Debit instruction

5. Your asset purchases/sales for dd/mm/yyyy
(contract note)

1. Personalised Key Features Illustration for your…
Confirms the scenario which has been input.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

2. Adviser Fee Authorisation form. Confirms the fees which have been agreed.

Notes: Generated for the adviser to share with the client. Visible on the customer document library once the illustration is submitted.

3. a) Confirming your online application letter.* This contains important regulatory information for the customer to check and is generated at the point of the application being submitted
b) Confirming your investment application (if new business)
OR
Confirming your additional investment application (if top up) letter. 
c) Information about your fees and charges letter.

Notes: * Only generated for online applications for an ISA, JISA, CRA or JCRA. Not generated for CIB or CIA.

4. Important confirmation of the set-up of your Direct Debit instruction

Notes: In the case where a third party is paying the direct debit, this letter is sent to the third party to confirm the direct debit details. For Junior products, it may be the case that the party paying the premium is also the registered contact for the junior product (e.g. the parent or guardian). In this instance they will receive a copy of both letters 4 and 5.

5. Confirmation of Direct Debit instructions

Notes: In the case where a third party is paying the direct debit, this letter is sent to the customer to confirm the payments into their account have been set up (NB: because they are not paying those contributions, we don’t confirm the bank details)

6. Your asset purchases/sales for dd/mm/yyyy
(contract note)

1. Pension withdrawal letter
2. Pension withdrawal statement letter

Notes: instructions up to £75k can be submitted without additional authorisation

1. Pension withdrawal letter
2. Pension withdrawal statement letter

Notes: instructions up to £75k can be submitted without additional authorisation

1. Transfer out statement letter

Notes: Includes all

• Completed re-registrations out
• Transfer out payments

1. Withdrawal confirmation letter

1. Withdrawal confirmation letter

2. Your asset sales for dd/mm/yyyy
(contract note)

3. Chargeable event certificate and cover letter

1. Confirmation of Switch letter

2. Information about your fees and charges letter
Is included when switching into a DIM/DFM model, or for an adviser model asset switch.

Notes: Generated for the adviser to share with the client prior to the transaction. Visible on the customer document library once the transaction is submitted.

3. Adviser fee uthorisation form

Notes: Only generated when switching into a Discretionary Investment Managers (DIM) model portfolio, when the DIM fees are disclosed.

1. Information about your fees and charges letter

Notes: Generated for the adviser to share with the client prior to the transaction. Visible on the customer document library once the transaction is submitted.

2. Adviser Fee Authorisation form

Notes: Generated for the adviser to share with the client prior to the transaction. Visible on the customer document library once the transaction is submitted.

3. Your asset purchases for dd/mm/yyyy
(contract note)

Notes: Not generated on the following, but is on all other switch types:

• Adviser scheduled Model rebalance, model deconstruct/ reconstruct
• Discretionary Investment Manager model rebalance, model deconstruct/ reconstruct

1. Pension wake up letter

Notes: Document is generated as follows:
1. 120 days before a client’s selected retirement age
2. 40 days before a client’s selected retirement age
3. At a client’s 50th birthday
4. 45 days before a client’s 55th birthday
5. Each 5th anniversary prior to a client’s birthday until the client has fully crystallised their accumulation pot. (e.g. 60th, 65th etc)

2. Pension Savings Statement

Notes:
Where the pension input amount for the scheme for a tax year exceeds the annual allowance for the tax year.
Where the member is subject to the money purchase annual allowance (MPAA) and the pension input amount for the tax year exceeds the MPAA.

3. Pension Annual Benefit Statement
4. SMPI illustration

Notes: Sent in same envelope

Flexi-access drawdown pack
1. Flexi-access Drawdown Anniversary Letter
2. Pension Illustration

Notes: Triggered on the anniversary of entering flexi-access drawdown

3. P60

4. Money Purchase Annual Allowance (MPAA) Notification

Notes: When the pension fund is first accessed flexibly by taking income, either by:

• Tax-efficient Regular Income Option (TRIO)
• A withdrawal from a flexi-access drawdown arrangement
• A stand-alone lump sum
• When a client or adviser has notified us that the client has flexibly accessed pension funds held with another provider under MPAA rules.

5. Tax-free allowances letter

Notes: Anniversary of the crystallised subaccount

Capped drawdown pack
1. Capped drawdown optional review form
2. Pension Illustration

Notes:
1.  60 days before the review date of the anniversary of entering drawdown.
2.  Also Adhoc if a crystallisation takes place in the 60 days after we sent the review pack

3. P60

4. Tax-free allowances letter

Notes: Anniversary of the crystallised subaccount